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48 Jaya Group
In this Group: Tohiyah, Amriana, Sri, Nining
This is 49-year-old Tohiyah from Kebon Pala, Indonesia. She is married with two children, all of whom are attending school. She runs a retail business and sells a variety of vegetables, fish, chickens, and groceries. She also runs a business laundry. The retail business has been in operation for three years and her laundry for four months. She sells her vegetables using a cart around environment from 08.00 AM - 01.00 PM. She can get profits of about 1,500,000 IDR per month.

She says the main challenges she faces are the rainy season and delinquent customers. She has requested a loan of 2,500,000 IDR in order to buy more vegetables, prawn crackers and hangers. She says the extra income generated as a result of this loan will facilitate increased business and improved family welfare. In the future, she plans to add a washing machine and to send her children to university.

Additional Information

About VisionFund Indonesia

VisionFund Indonesia is a Christian micro venture capital organization owned by Mitra Masyarakat Sejahtera (MMS) and Wahana Visi Indonesia. Founded in 2000, VFI operates in both Jakarta and Surabaya, the two biggest cities in Indonesia. VFI targets the entrepreneurial poor who have existing microbusinesses for at least 6 months and have no financial access to commercial banks. VFI also provides microinsurance for all clients through a partnership with Allianz insurance company. With nine branches as of 2011, VFI hopes to expand in order to reach underserved microfinance markets in other islands of Indonesia.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Indonesia

  • $5,200
    Average annual income
  • 12
    View loans »
    Indonesia Loans Fundraising
  • $5,461,825
    Funds lent in using Kiva
  • 9,701.0
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A portion of 48 Jaya Group's $1,050 loan helped a member to buy hangers, prawn crackers (5 kilos) and noodles (3 boxes) to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 22, 2013
Apr 15, 2013
Currency Exchange Loss:
Apr 17, 2014